Originally Posted by Netcat
When you accidently format SD memory (or any memory) and want to recover files on it, it is very important that you STOP using the SD card immediately. The formatting process does not actually erase the files on it, but it does erase the table that points to the files so they can be overwritten. If you use the memory card after accidentally formatting it, there is a good chance that new files will overwrite the old files partially or fully. That's probably why you're seeing some photos with parts missing. A professional data recovery service or some paid-for software might be able to do better but it won't be free.
that was my fear
If I put my sd card into my windows pc now, it doesnt recognize those jpg as jpg's. In other words, when I double click them to view them, it gives me an error about "not supporting this file format". If I try to view these files with my Undelete tool, them they are somewhat scrambled as I explained before.